Journal of Microfinance Planning and Control, Volume 5, Number 16, December-2019, is a quarterly Journal edited by ECORFAN-Spain. Matacerquillas Street 38, CP: 28411. Moralzarzal-Madrid. WEB: http://www.ecorfan.org/spain/rj_planeacion_cm.php, revista@ecorfan.org. Editor in Chief: Ramos Escamilla-María, Co-Editor: Miranda García-Marta, PhD. ISSN 2444-5037. Responsible for the last update of this issue ECORFAN Computer Unit. Escamilla Bouchán-Imelda, Luna Soto-Vladimir, updated to December 31, 2019. The opinions expressed by the authors do not necessarily reflect the opinions of the editor of the publication. It is strictly forbidden the total or partial reproduction of the contents and images of the publication without permission from the Spanish Center for Science and Technology